[Bob Parmenter]

What Ron said!!

If you think the relationship is of value, and cost effective, just raise the bar to a liveable level, and then make sure you revise accordingly on an annual basis. Insurance companies ALWAYS work to their advantage first, as a consumer we just need to try our best to keep the field as level as possible. (not an endorsement of fraud) If a moment of truth comes you find out that what you call a "policy" is really a contract with very specific terms.